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Loan Programs
USDA Loans
Backed by the U.S. Department of Agriculture. Built for eligible rural and suburban areas, with 0% down.
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- 0% down paymentFor eligible buyers in eligible areas.
- Income limits applyBased on area and household size.
- Property location mattersThe home must be in a USDA-eligible area. Check the official USDA eligibility tool to see if a property qualifies.
- Guarantee feeApplies, similar in purpose to mortgage insurance on other programs.
- Cash-outUSDA does not offer a cash-out refinance option. A rate-term refinance or a different program may fit instead.
For illustration only. Not an offer of credit, a quote, or an advertised rate. Actual eligibility, rate, and terms depend on your full application and program guidelines. Loans subject to credit approval.